Good People, Smart Banking
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Certificates of Deposit

Earn interest at a fixed rate on funds for a specific period of time  
Personal Certificates of Deposit

Features & Benefits

Fixed Interest Rate
Highest Interest Earnings
Great way to save money

Minimum Balance to Open the Account



90 days to 5 years


Rate Information

The interest rate and Annual Percentage Yield (APY) in effect at account opening will be paid until first maturity. For details, please stop by or call one of our offices.  


Transaction Limitation

You may not make any deposits into your account before maturity. You can only withdraw interest credited in the term before maturity of that term without penalty.  


Early Withdrawal Penalty

A penalty may be imposed for withdrawals before maturity. Penalty amount varies by the original maturity term. Other restriction may apply.  


Renewal of Time Deposit

Automatic renewal for your convenience. For details, please stop by our offices.  



Individual Retirement Accounts (IRA) help you avoid volatility and lock you into a guaranteed rate with no fees to open or maintain an account.  


Interest Compounding & Credit Frequency

Interest will be compounded daily and credited to your account monthly, quarterly, annually, or at maturity.  (for CD’s less than one year)   Interest does not accrue after maturity if CD is withdrawn.